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Tax.appeal.168
Tax.appeal.168, Tax Accountant
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I'M 56 AND ON SSDI CAN MY WIFE GET SPOUSAL BENEFITS SHE IS

Customer Question

I'M 56 AND ON SSDI CAN MY WIFE GET SPOUSAL BENEFITS SHE IS 63 AND STILL WORKING?
Submitted: 1 year ago.
Category: Tax
Expert:  Tax.appeal.168 replied 1 year ago.

The following applies regarding your situation:

The Basics

Spousal benefits allow a husband or wife to receive up to 50 percent of a spouse’s Social Security benefits. These benefits are available even if one spouse has never worked.

For married couples, the following criteria must be met:

  • The individual claiming spousal benefits must be age 62 or older.
  • His or her spouse must be eligible to receive Social Security retirement benefits.
  • His or her spouse must have already filed to receive those benefits.

REFERENCE SOURCE:

http://money.usnews.com/money/personal-finance/retirement/articles/2015/03/06/how-to-maximize-social-security-with-spousal-benefits

If your wife meets the above requirements, then she can claim spousal benefits.

Let me know if I can be of further assistance to you regarding this matter.

Customer: replied 1 year ago.
But can my wife get spousal benefits if she is still working?
Customer: replied 1 year ago.
can file for benefits and suspend
Expert:  Tax.appeal.168 replied 1 year ago.

Yes, your wife can work while receiving benefits, however, her working will affect the benefit amount. SEE BELOW:

Spousal benefits can be affected by excess earnings in two ways. First, if a spouse works and is under full retirement age, excess earnings will affect spousal benefits in the same fashion as described above (a $1 reduction in spousal benefits for every $2 or $3 in excess earnings, depending on the spouse's age). Excess earnings by a spouse affect spousal benefits only. There is no feedback effect on the primary retiree's benefits

REFERENCE SOURCE:

http://www.socialsecuritychoices.com/info/workclaim.php

As for suspending benefits, the answer is yes. SEE BELOW:

If you are already entitled to benefits, you may voluntarily suspend current or future retirement benefit payments up to age 70 beginning the month after the month when you made the request.

REFERENCE SOURCE:

https://www.ssa.gov/planners/retire/suspend.html